# Konto: Expense Tracker — Expenses that log themselves

> Expenses that log themselves (iPhone/iPad app by Alessandro Rozzia.)

- Source: https://appshunter.io/ios/app/konto-expense-tracker/id6778394654 (this page in markdown: same URL + `.md`)
- Developer: [Alessandro Rozzia](https://appshunter.io/developer/6778394656)
- Category: Finance, Business
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 16.0 · 20 MB
- Languages: Italian
- Released: 2026-09-08
- Data updated: 2026-10-24

## What is Konto?

Konto keeps your accounts for you: your household money and, if you work as a freelancer in Italy, your partita IVA. Pay with Apple Pay and the expense logs itself, with the amount, the merchant and a category Konto learns from your choices.

EXPENSES THAT LOG THEMSELVES
Once, you create an automation in Apple's Shortcuts app by following Konto's step-by-step guide. From then on, Apple Pay payments in shops go into Konto on their own; for Apple Pay on websites in Safari, turn on the Konto extension and tap «Registra». Konto only receives the amount, merchant and card name of a payment that has already happened: it does NOT connect to your bank and never asks for banking credentials. The feature is optional.

YOUR PERSONAL FINANCES
• Transactions: income and expenses in order, by category and by month.
• Budgets: a limit for each category, so you see at once how much you spent and where you went over.
• Savings goals: a holiday, a car, emergencies. If you like, at the start of the month what you didn't spend from your budget moves to the goal you choose.
• Subscriptions and instalments: streaming, gym, loans and mortgage, with a 12-month forecast.
• Utility bills: electricity, gas, water and the rest of the home, with due dates and consumption. Take a photo of a bill and Konto fills it in.
• Trips: set the dates and Konto gathers the expenses of those days, with total, daily average and a PDF report.
• Analysis: where your money goes, by category, merchant and card.

ADDING IS QUICK
Dictate an expense in the app and the AI fills in amount, category and date, take a photo of a receipt, or import your bank's CSV: Konto categorises everything and spots likely duplicates.

FOR ITALIAN FREELANCERS (PARTITA IVA, ITALIAN RULES)
• Invoices and quotes with your logo, shared by link or PDF, with what you still have to collect in view.
• Clients and cash flow always at hand.
• In the Italian flat-rate regime (regime forfettario) Konto estimates substitute tax and INPS contributions and warns you as you approach the €85,000 threshold. Outside it, you see VAT payable and receivable quarter by quarter.
• Tax calendar: F24, INPS and tax returns with the days left, based on your legal form.
• Business trips: the expenses of a work trip become an expense report in PDF.

HOME AND WORK, SEPARATE
With Business + Personal you switch between household and business money with one tap: two accounts that never mix.

AI ASSISTANT
Konto AI helps you with budgets and goals, answers your questions and tells you where to find every feature.

OFFLINE, SECURE, YOURS
Konto works without a connection and syncs as soon as you are back online. Access is protected with Face ID. Your data is never sold and there are no ads. You can export everything or delete your account whenever you want.

TRIAL AND SUBSCRIPTION
Konto is free for 7 days after you sign up, with no payment details. After that, to keep using every feature, choose Personal, Business or Business + Personal, monthly or yearly: the price in your currency is shown before you subscribe.
The subscription renews automatically unless cancelled at least 24 hours before the end of the period. Payment is charged to your Apple Account when you confirm the purchase. You can manage or cancel it in your Apple Account settings.

GOOD TO KNOW
• Automatic expense capture works on iPhone. On a computer, Konto runs in the browser with the same account.
• Tax, VAT and INPS figures are estimates to help you set aside the right amount: they do not replace your accountant. Konto does not send electronic invoices to the Italian SDI.

Privacy Policy: https://konto-finance-app.netlify.app/privacy
Terms of Use: https://konto-finance-app.netlify.app/terms

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Konto Business | $3.99 | per month |
| Konto Personal | $3.99 | per month |
| Konto Business + Personal | $4.99 | per month |
| Konto Personal annuale | $34.99 | per year |
| Konto Business annuale | $34.99 | per year |
| Business + Personal annuale | $49.99 | per year |


## Is Konto safe?

Not enough ratings yet to assess Konto.

## Is Konto legit?

Konto: Expense Tracker has limited verification signals. The AppsHunter Legitimacy Score for Konto is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 2.60 — 2026-10-22

• The automatic payments guide now checks that it works: as you follow it, Konto verifies that the shortcut is really connected and only lets you move on once it works.
• Before the guide, Konto asks whether you pay with Apple Pay on your iPhone: if you use the physical card, it explains how to add it to Wallet.
• Fixes and improvements.

### 2.59 — 2026-10-21

• Household bills: the Personal side has a new «Utility bills» section, with due dates, consumption and how much you spend on electricity, gas, water and the rest of the home. Take a photo of a bill and Konto fills it in; when you mark it paid, the expense is created or linked automatically, never twice.
• Your first payment: iPhone asks for the Wallet permission only once, and only while unlocked. Konto now reminds you before your first payment and, if you already paid with your iPhone locked, lets you add the expense in one tap.
• Expenses paid with your iPhone locked now arrive more reliably.
• Updates and offers: a new switch in Settings lets you decide whether Konto may send you updates and offers. It stays off until you say yes.
• Invite a friend: your code is now on the Home screen too.

### 2.58 — 2026-10-06

• Con iOS 27 Konto registra da solo anche i pagamenti con Apple Pay fatti online e dentro le app, anche se paghi senza internet: la spesa arriva appena torna la rete. Lo attivi dalla pagina «Pagamenti automatici» con un comando già pronto: un'automazione dei Comandi passa a Konto la notifica del Wallet di ogni pagamento. Konto non accede alla tua banca. Se hai già l'automazione dei pagamenti puoi tenerla: se lo stesso pagamento arriva da tutte e due, si registra una volta sola.
• Spese in un'altra valuta: un pagamento in fiorini, franchi o dollari si converte da solo al cambio di riferimento BCE, con l'importo originale accanto. Puoi scegliere la valuta anche quando inserisci una spesa a mano, e Viaggi e Trasferte mostrano le valute del viaggio, anche nel PDF.
• Spese da registrare: un pagamento rimasto sul telefono, per esempio senza rete, lo vedi in Home, Movimenti e Transazioni finché non arriva a Konto.
• «Ho pagato ma la spesa non è arrivata»: Konto controlla da solo cosa è successo sul telefono e ti dice cosa fare.
• Invita un amico, per te un mese gratis: dai il tuo codice a un amico e, quando registra la prima spesa con Apple Pay, ricevi un mese di Konto. Lo trovi in Impostazioni.
• Più dispositivi, stessi dati: una spesa o una fattura modificata o eliminata su iPhone arriva anche sul computer, e viceversa.
• Pagamenti automatici più chiari: per l'automazione del pagamento col telefono, la guida spiega il permesso per il Wallet da concedere una volta, a telefono sbloccato, e i controlli in Home partono da quello.
• Registrazione più sicura: se torni indietro e cambi nome o password, l'account nasce con quelli giusti.
• Correzioni: il microfono si spegne quando chiudi la dettatura, messaggi più chiari se un acquisto è in attesa di approvazione, e l'accesso di un account eliminato si chiude su tutti i dispositivi.

### 2.57 — 2026-09-23

• Le spese pagate con una carta nuova non si perdono più: in Home, Movimenti e Transazioni vedi quante aspettano una conferma e le sistemi con un tocco.
• Nuovo abbonamento annuale: paghi una volta l'anno e risparmi rispetto al mensile.
• Scadenze e acconti fiscali più precisi: acconto del forfettario al 50%, rata INPS di febbraio, date che slittano quando cadono di sabato, aliquota IVA al 5%.
• Per registrare le spese il telefono usa ora un'autorizzazione dedicata al posto della password, che puoi revocare quando vuoi da Impostazioni → Pagamenti automatici.

### 2.56 — 2026-09-20

Konto 2.56: vedi meglio dove vanno i tuoi soldi.

• Nuova Analisi: scegli mese, trimestre, anno o un periodo tuo e confrontalo con gli stessi giorni del periodo prima. Categorie, esercenti e spese fisse in una sola pagina.
• Quanto hai speso con ogni carta: le spese registrate con Apple Pay ricordano la carta usata.
• Categorie automatiche più precise, e la nuova categoria «Casa».
• Dopo la registrazione entri subito nell'app, senza accedere una seconda volta.
• Tante piccole correzioni.

Grazie di usare Konto.

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